No, not necessarily. They are saying that since they have never occupied the home. The items that are being addressed are the SPDS (Seller's Property Disclosure Statement), and the Clue Report, which is the Insurance Claims History Report, to which both of these can only be provided by a seller that lived there (was able to fill out the questions regarding the history of the home), and regards to insurance, have history of insurance on the home, to which when a bank owns and is selling a home they don't have that information, so they make us take that out of the contract as a buyers agent, since they can't not provide what they don't know. If you need a blank copy of the SPDS, I can get you one, but as far as the insurance goes, there isn't anything to fill out as much as if there is any history on the home then the insurance provider provides that to the seller, when selling a home to be able to give that to the new buyer. When a buyer goes and gets insurance, before an insurance company will insure a home, they check for the history, so it's all covered by the new buyers insurance anyway.